When you go into default on your student loans, information is hard to come by - yet it's of vital importance for getting back on track with payments.

Suddenly you're getting bills and collection calls from companies you've never heard of, and they're asking for far more than you think you owe.

Most experts will tell you to demand copies of your loan documents before agreeing to make any payments, but what they don't tell you is just how difficult it can be to track down what you need.

On today's show we answer a listener question to help her get a copy of her promissory note and loan payment history.